Financial adviser Suze Orman talks about her new card, who can't take advice and where to put your money

You've created a new card. Does the world really need another credit card?

The world does not need another credit card. The world needs another vehicle to get people to pay in cash. People have got to learn, if they don't have cookies in the cookie jar, they can't eat cookies.

So yours is a debit card?

The real thing that I'm doing with my debit card is changing the system. People are being penalized for paying in cash and rewarded [with credit scores] for paying on credit. The Approved Card, which costs $3 a month, will...